Free Guides
Plain-English guides to fighting an unemployment overpayment — free, no email required. Start with the notice decoder if the letter just arrived.
How to Write an Unemployment Overpayment Appeal Letter
The structure hearing officers expect, what to include, what to leave out — and a fill-in outline.
You usually don't need a lawyer's letterhead — you need the right facts in the right order before your deadline.
Unemployment Overpayment Waivers: How Forgiveness Actually Works
No-fault, equity and good conscience, hardship — what the waiver test really means and how to prove it.
A waiver doesn't argue the overpayment never happened. It argues you shouldn't have to pay it back.
You Got an Overpayment Notice — What It Actually Means
Every box on the notice decoded: classification, fault, amount, and the date that matters most.
The notice is written in agency language. Here it is in yours.
Fraud vs. Non-Fraud Overpayment: The Line That Decides Everything
Why one word on your notice closes the waiver door, adds penalties — and how the classification gets challenged.
Same debt, two completely different fights, decided by a single word.
Unemployment Overpayment Appeal Deadlines: The Shortest Windows in America
West Virginia gives you 8 days. Six states give you 10. Why the clock starts before the envelope arrives.
The deadline counts from the date printed on the notice — not the day you open it.
Not legal advice. Rules vary by state and change — the state table links to each agency's own published source.